Car Accident Lawyers

If you are reading this, you or someone you love has likely just experienced a life-altering event on a Houston roadway. Whether it was a high-speed collision on I-45, a devastating T-bone at a busy intersection in the Heights, or a catastrophic encounter with an 18-wheeler on the 610 Loop, the moments following a car accident are defined by chaos, pain, and a crushing sense of uncertainty. At Attorney911, we understand that you aren’t just looking for a lawyer; you are looking for a lifeline. You are facing mounting medical bills, the loss of your vehicle, and the predatory tactics of insurance adjusters who are already working to minimize your suffering. We are here to stop the bleeding. Led by Ralph Manginello, our firm provides the aggressive, high-stakes representation required to take on billion-dollar insurance companies and win. We don’t just handle cases; we manage emergencies. If you need immediate legal protection in Houston, call our emergency hotline right now at 1-888-ATTY-911 (1-888-288-9911). We are available 24/7 because legal emergencies don’t wait for business hours.

We Know Their Playbook Because We Ran It

The single greatest mistake a car accident victim in Houston can make is believing that the insurance company is there to help. They aren’t. From the second your accident is reported, the insurance company’s “Rapid Response” teams are deployed to build a case against you. They want your recorded statement while you’re still in shock; they want you to sign medical authorizations that give them access to your entire life history; and they want to offer you a “quick settlement” that represents pennies on the dollar for what your case is actually worth. At Attorney911, we have an unfair advantage: our team includes a former insurance defense attorney, Lupe Peña. Lupe spent years working inside the national defense firms that represent these insurance giants. He knows exactly how they value claims, how they use Colossus software to lowball victims, and which “independent” doctors they hire to claim you aren’t really hurt. We know their playbook because we ran it, and now we use that insider intelligence to fight for you. Having a former insurance defense attorney on your side in Houston isn’t just a benefit—it’s a necessity if you want maximum compensation.

As client Jamin Marroquin describes: “Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.” This is the level of commitment we bring to every Houston car accident case. We don’t accept lowball offers, and we don’t back down from a fight. Whether we are negotiating a settlement or preparing for trial in the U.S. District Court for the Southern District of Texas, our goal is simple: to recover every dollar you deserve. We don’t get paid unless we win your case. Call us today at 1-888-ATTY-911 or visit our contact page (https://attorney911.com/contact/) to start your free, no-obligation consultation.

The Attorney911 Advantage: 25+ Years of Houston Litigation Excellence

When you hire a car accident lawyer in Houston, you are hiring their reputation, their resources, and their willingness to go to trial. Ralph Manginello has been practicing law in Texas since 1998. Over the last 25+ years, he has built a firm that is recognized for its ability to handle the most complex and catastrophic personal injury cases in the state. Ralph isn’t just a lawyer who settles cases over the phone; he is a litigator admitted to the U.S. District Court for the Southern District of Texas. This federal court admission is critical. Many Houston personal injury firms are “settlement mills” that avoid the complexity and cost of federal litigation. At Attorney911, we thrive in high-stakes environments. Our firm was one of the few in Texas involved in the BP Texas City explosion litigation—a case involving one of the most powerful corporations in the world. This experience proves that we have the financial resources and the legal firepower to take on any defendant, no matter how large.

Ralph Manginello: A Deeply Rooted Houston Advocate

Ralph Manginello’s connection to Houston isn’t just professional; it’s personal. Raised in the Memorial area and a graduate of Memorial High School and the South Texas College of Law Houston, Ralph understands the community he serves. He is a member of the Houston Bar Association and the Harris County Criminal Lawyers Association (HCCLA), an elite organization that reflects his ability to handle cases where civil and criminal law intersect—such as drunk driving accidents involving criminal charges. Ralph’s background as a starting point guard for a championship basketball team translates directly to his legal practice: he is a strategic leader who knows how to outwork and outmaneuver the opposition. When you call 1-888-ATTY-911, you aren’t just getting a lawyer; you’re getting a 25-year veteran of the Houston legal trenches who treats his clients like family. As client Chad Harris noted: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

Lupe Peña: The Insurance Insider Fighting For You

Lupe Peña brings a unique and powerful perspective to our Houston personal injury practice. A 3rd generation Texan born and raised in Sugar Land, Lupe graduated from the South Texas College of Law Houston and is also admitted to the U.S. District Court for the Southern District of Texas. Before joining Attorney911 to fight for victims, Lupe worked for years at a national defense firm. During that time, he learned the internal mechanics of how insurance companies operate. He understands how they set reserves, how they use “hired gun” doctors for Independent Medical Exams (IMEs), and how they exploit the Texas 51% modified comparative negligence rule to bar victims from recovery. Lupe is fluent in Spanish, ensuring that our Spanish-speaking clients in Houston and Harris County receive the same high-level advocacy without any language barriers. As client Celia Dominguez shared: “Especially Miss Zulema, who is always very kind and always translates.” Whether you speak English or Spanish, our team is ready to provide the insider advantage your case needs. (https://attorney911.com/attorneys/lupe-pena/)

Proven Multi-Million Dollar Results

Results matter. In the world of Houston personal injury law, your attorney’s track record is the only thing insurance companies truly respect. They know which lawyers settle for the first offer and which lawyers are prepared to take a case to a jury. At Attorney911, our results speak for themselves. We have recovered millions of dollars for clients facing catastrophic injuries and wrongful death.

• Logging Brain Injury: We secured a multi-million dollar settlement for a client who suffered a traumatic brain injury with permanent vision loss when a log dropped on him at a logging company. This case required extensive investigation and expert testimony to prove the company’s safety failures.
• Car Accident Amputation: In a recent Houston case, our client’s leg was severely injured in a car accident. Complications and infections during treatment led to a partial amputation. While the insurance company tried to minimize the connection between the accident and the amputation, we fought and settled the case in the millions.
• Trucking Wrongful Death: Our attorneys have helped numerous families in Houston and across Texas recover millions of dollars in compensation following the wrongful death of a loved one in an 18-wheeler accident.

These aren’t just numbers; they are the resources our clients need to rebuild their lives after a tragedy. If you have suffered a catastrophic injury, you cannot afford to hire a lawyer who is afraid of the courtroom. You need the firm that has been there, done that, and won. Call 1-888-ATTY-911 today.

Comprehensive Accident Type Coverage in Houston

Motor vehicle accidents in Houston take many forms—from everyday car crashes on Westheimer Road to catastrophic 18-wheeler collisions on I-10, from drunk driving accidents in Midtown to emerging technology failures like Tesla Autopilot malfunctions. Whether you were injured in a car, struck by a commercial truck, hit as a pedestrian or cyclist, hurt in an Uber, or involved in any other type of motor vehicle accident in Houston, The Manginello Law Firm has the expertise to fight for maximum compensation. We handle every type of MVA case with the same level of intensity and insider intelligence.

Houston Car Accidents (Tier 1 – Full Detailed Coverage)

Car accidents are the most common cause of personal injury in Houston, but there is nothing “common” about the pain and disruption they cause in your life. Every day, hundreds of crashes occur on Houston’s highways and surface streets, ranging from minor fender-benders to high-speed fatal collisions. At Attorney911, we treat every car accident with the seriousness it deserves because we know that even a “minor” impact can result in permanent spinal injuries or traumatic brain trauma.

Vivid Scenarios: How Car Accidents Happen in Houston

Car accidents in Houston happen in countless ways, and we have seen them all:

• The Red-Light Runner at a Busy Intersection: You are proceeding through a green light at the intersection of Gessner and Westheimer when a distracted driver slams into your driver-side door. This “T-bone” collision causes your head to strike the side window, resulting in a concussion and multiple rib fractures.
• The Highway Merge Collision on I-45: You are merging onto the Gulf Freeway when an aggressive driver fails to check their blind spot and sideswipes you at 70 mph. Your vehicle spins out of control and strikes the concrete barrier, causing a deployment of all airbags and severe whiplash.
• The Distracted Driver Rear-End: You are stopped in traffic on the 610 Loop when a driver behind you, who was looking at their phone, slams into your rear bumper at full speed. Your neck snaps forward and back, causing a herniated disc that will eventually require surgery.
• The Parking Lot “50/50” Trap: You are backing out of a space at a grocery store in the Heights when another driver speeds through the lane and hits you. The insurance company immediately claims it’s “50/50 fault” because it happened in a parking lot. We use surveillance footage to prove the other driver’s negligence.

What Insurance Companies Will Argue in Car Accident Cases

Insurance adjusters have a specific playbook for car accidents designed to save them money:

• “The impact was low-speed, so you couldn’t have been seriously injured.” (The “MIST” defense – Minor Impact Soft Tissue)
• “You had a pre-existing back condition from years ago.” (Searching your medical history for any prior pain)
• “You were partially at fault for not avoiding the collision.” (Exploiting the 51% rule)
• “Your medical treatment was excessive or unnecessary.” (Attacking your doctors to reduce the bill)

Lupe Peña knows these arguments because he made them for years as a defense attorney. We counter these tactics by hiring accident reconstruction experts, biomechanical engineers, and medical specialists who can prove the true severity of your injuries and the other driver’s 100% liability. We don’t let them minimize your pain. If you’ve been hurt in a Houston car accident, call 1-888-ATTY-911 now.

18-Wheeler & Commercial Truck Accidents (Tier 1)

Accidents involving 18-wheelers and commercial trucks are fundamentally different from standard car crashes. When a 40-ton semi-truck collides with a 2-ton passenger vehicle, the results are almost always catastrophic. Houston is a major hub for the trucking industry, with I-10 and I-45 serving as critical corridors for interstate commerce. This means Houston residents are at a higher risk for trucking accidents than almost anywhere else in the country. These cases involve complex federal regulations, multiple layers of insurance, and powerful corporate defendants who will stop at nothing to protect their profits.

The Complexity of Federal Trucking Regulations (FMCSA)

Trucking companies are governed by the Federal Motor Carrier Safety Administration (FMCSA). These regulations cover everything from “Hours of Service” (how long a driver can stay behind the wheel) to mandatory drug testing and vehicle maintenance logs. When an 18-wheeler accident occurs in Houston, we immediately move to preserve the truck’s “black box” data and Electronic Logging Device (ELD) records. We look for violations such as:

• Driver fatigue caused by exceeding HOS limits.
• Improperly maintained brakes or tires.
• Negligent hiring of drivers with poor safety records.
• Overloaded or improperly secured cargo.

Ralph Manginello’s experience in the U.S. District Court for the Southern District of Texas is vital here, as many trucking cases are litigated in federal court. We know how to navigate the complex discovery process to find the evidence the trucking company is trying to hide.

Nuclear Verdicts and Settlement Leverage

In Texas, juries are increasingly punishing trucking companies for safety violations with “nuclear verdicts”—awards exceeding $10 million. For example, in 2024, an Oncor Electric trucking case resulted in a $37.5 million verdict. Insurance companies FEAR these verdicts. They know that if they take a case against Attorney911 to trial, they risk a massive payout. This gives us enormous leverage in settlement negotiations. We don’t settle for the “standard” amount; we demand the full value of your catastrophic injuries or wrongful death claim. As our record shows: “At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.” If you’ve been hit by a truck in Houston, call 1-888-ATTY-911 immediately before the evidence is destroyed.

Drunk Driving Accidents (Tier 1)

There is no excuse for drunk driving, yet Houston consistently ranks as one of the most dangerous cities in America for alcohol-related crashes. When a drunk driver causes an accident, the case often involves both civil and criminal components. This is where Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) provides a distinct advantage. We understand the criminal prosecution process and how to use evidence from the criminal case—such as breathalyzer results and field sobriety tests—to bolster your civil claim for damages.

Dram Shop Liability: Holding the Bar Accountable

In many Houston drunk driving cases, the driver isn’t the only responsible party. Under the Texas Dram Shop Act, a bar, restaurant, or club can be held liable if they served alcohol to a patron who was “obviously intoxicated” to the point that they presented a clear danger to themselves and others. This is critical because drunk drivers often have minimal insurance coverage. By identifying a liable establishment, we can access their commercial insurance policies, which often carry limits of $1 million or more. We move fast to obtain bar surveillance footage and credit card receipts before they are deleted. Our firm is currently litigating a $10 million lawsuit involving alcohol-related liability (Bermudez v. Pi Kappa Phi), proving we have the expertise to handle these complex multi-party cases.

Punitive Damages: Punishing the Reckless

In drunk driving cases, you may be entitled to “punitive damages” (also known as exemplary damages) in addition to your medical bills and lost wages. These damages are designed to punish the defendant for gross negligence and deter others from similar conduct. Juries in Houston have a history of awarding significant punitive damages in DWI cases, such as the $81.7 million verdict in Hatch v. Jones (2024). This creates massive settlement pressure on insurance companies. They know that if the case goes to a Houston jury, the “anger factor” will drive the award much higher. We use this to your advantage to secure a settlement that reflects the true horror of what you’ve endured. Call 1-888-ATTY-911 to hold the drunk driver and the bar that over-served them accountable.

Rideshare Accidents: Uber & Lyft (Tier 1)

Rideshare accidents in Houston present unique legal challenges due to the complex “insurance phases” that govern Uber and Lyft drivers. Whether you were a passenger in an Uber, a driver for Lyft, or a third party hit by a rideshare vehicle, determining which insurance policy applies is the first and most important step.

• Phase 1 (App on, no ride): Limited contingent coverage applies.
• Phase 2 & 3 (En route or transporting): A $1,000,000 liability policy is active.

Insurance companies love to argue about which phase the driver was in to avoid paying the $1 million policy. Lupe Peña’s insurance defense background is invaluable here. He knows how to subpoena the digital logs from Uber and Lyft to prove exactly when the accident occurred and which policy must pay. We also handle delivery vehicle accidents involving Amazon, FedEx, and DoorDash, which follow similar commercial liability rules. If you were injured in a rideshare accident in Houston, don’t let the insurance companies give you the runaround. Call 1-888-ATTY-911.

Pedestrian & Bicycle Accidents (Tier 1)

Houston is notoriously unfriendly to pedestrians and cyclists. With limited sidewalks and high-speed traffic, those outside of a vehicle are extremely vulnerable. When a car strikes a pedestrian or cyclist, the injuries are almost always severe—broken bones, internal organ damage, and traumatic brain injuries are common. Insurance companies almost always try to blame the pedestrian or cyclist, arguing they “weren’t in a crosswalk” or “were wearing dark clothing.” We counter these victim-blaming tactics with sight-line studies, speed analysis, and witness statements. We know that under Texas law, drivers have a duty of care to watch for vulnerable road users. If you were hit while walking or biking in Houston, we will fight to prove the driver’s negligence and recover the compensation you need for your recovery. (https://attorney911.com/law-practice-areas/car-accident-lawyer/)

We don’t get paid unless we win. Call Attorney911 at 1-888-ATTY-911 for your free Houston car accident consultation.

The first 48 hours after a car accident in Houston are the most critical for both your health and your legal claim. During this window, evidence is fresh, but it is also at its most vulnerable. Insurance companies know that you are in shock, and they will use this time to gain an advantage. At Attorney911, we have developed this immediate action protocol to help you protect your rights and your future. If you have questions at any point, call our emergency line at 1-888-ATTY-911.

Hour 1-6: Immediate Crisis Management

1. Seek Medical Attention Immediately: Even if you think you “feel fine,” you must go to a Houston emergency room or urgent care. Adrenaline is a powerful mask for pain. Catastrophic injuries like internal bleeding, concussions, and herniated discs often don’t show symptoms for hours or even days. If you delay treatment, the insurance company will argue: “If you were really hurt, you would have gone to the doctor immediately.” A gap in treatment is the #1 way insurance companies deny valid claims. Whether you go to Memorial Hermann, Houston Methodist, or St. Joseph Medical Center, ensure your injuries are documented by a professional.

2. Call the Police: Always call 911 and wait for a Houston Police Department (HPD) or Harris County Sheriff’s deputy to arrive. An official police report is a foundational piece of evidence. It documents the parties involved, witness statements, and the officer’s initial determination of fault. Without a report, the other driver can change their story later, claiming you were the one who ran the light.

3. Document the Scene with Your Phone: Your smartphone is your most powerful investigative tool. Take at least 50 photos from every angle. Capture the damage to all vehicles, the position of the cars in the roadway, skid marks, debris fields, and traffic signals. Take photos of the other driver’s license plate and insurance card. If there are witnesses, ask for their names and phone numbers. Do not rely on the police to gather every witness; they are often rushed and may miss critical bystanders.

Hour 6-24: Evidence Preservation

4. Do NOT Give a Recorded Statement: You will likely receive a call from the other driver’s insurance adjuster within 24 hours. They will sound friendly and say they “just want to get your side of the story to help process the claim.” This is a trap. They are trained to ask leading questions that get you to admit partial fault or minimize your injuries. Tell them: “I am represented by Attorney911, and all communications must go through my lawyers.”

5. Preserve Digital Evidence: Do not delete anything. Save your dashcam footage immediately before it is overwritten. Screenshot your text messages from the time of the accident to prove you weren’t distracted. If you have a Ring doorbell or other surveillance near the accident site, download the footage now. In Houston, many businesses delete their surveillance video every 7 to 14 days. Once it’s gone, it’s gone forever. When you hire Attorney911, we immediately send “spoliation letters” to all parties, legally requiring them to preserve evidence.

Hour 24-48: Strategic Legal Action

6. Call Attorney911 at 1-888-ATTY-911: The sooner you involve us, the better we can protect you. We will handle all communications with the insurance companies, allowing you to focus on your recovery. We will begin our own investigation, canvassing the area for cameras and interviewing witnesses while their memories are still fresh. As client Tymesha Galloway noted: “Leonor is the best!!! She was able to assist me with my case within 6 months.” We move fast because we know that in Houston, evidence disappears quickly.

7. Social Media Lockdown: Make all your social media profiles private immediately. Do not post about the accident, your injuries, or even your daily activities. Insurance adjusters in Houston are paid to stalk your Facebook and Instagram. If you post a photo of yourself smiling at a family dinner, they will use it to argue that you aren’t “suffering” from your injuries. Assume everything you post is being monitored by the defense. (https://attorney911.com/blog/)

Understanding Texas Car Accident Laws

Navigating the legal system in Houston requires a deep understanding of the Texas Civil Practice and Remedies Code. Texas law is complex, and insurance companies exploit this complexity to reduce their payouts. At Attorney911, we use our 25+ years of experience to ensure the law works for you, not against you.

The 2-Year Statute of Limitations (Tex. Civ. Prac. & Rem. Code § 16.003)

In Texas, you generally have exactly two years from the date of your accident to file a personal injury lawsuit. If you miss this deadline by even one day, your case is barred forever, regardless of how severe your injuries are. While two years may seem like a long time, it goes by quickly when you are dealing with surgeries, physical therapy, and recovery. Furthermore, the longer you wait, the harder it becomes to prove your case as evidence fades and witnesses move away. At Attorney911, we file cases strategically. Sometimes we file early to force the insurance company to take us seriously; other times, we wait until you have reached “Maximum Medical Improvement” (MMI) so we can accurately calculate your future medical needs. Ralph Manginello’s 25+ years of experience ensures that your case is filed at the optimal time for maximum leverage.

The 51% Modified Comparative Negligence Rule (Tex. Civ. Prac. & Rem. Code § 33.001)

Texas follows a “modified comparative negligence” rule, often called the 51% bar rule. This means that you can recover damages as long as you are 50% or less at fault for the accident. However, your total recovery will be reduced by your percentage of fault. For example, if a Houston jury awards you $100,000 but finds you 20% at fault for speeding, you will receive $80,000. If you are found 51% or more at fault, you receive NOTHING. Insurance companies in Houston fight tooth and nail to push your fault percentage above 50%. They will claim you were distracted, that you could have avoided the crash, or that you were traveling too fast for conditions. Lupe Peña knows this playbook because he used it for years as a defense attorney. We counter these arguments with accident reconstruction experts who prove the other driver was the primary cause of the collision. (https://attorney911.com/law-practice-areas/car-accident-lawyer/)

Texas Minimum Insurance Limits: The 30/60/25 Problem

Texas law requires drivers to carry minimum liability insurance of $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. In a catastrophic Houston car accident, $30,000 doesn’t even cover the initial ER bill. If you suffer a traumatic brain injury or require surgery, your medical costs will easily exceed $100,000. This is why we investigate every possible source of recovery. We look for:

• Umbrella Policies: Additional coverage held by the at-fault driver.
• Corporate Liability: If the driver was working at the time of the crash, their employer’s multi-million dollar policy may apply.
• UM/UIM Coverage: Your own Uninsured/Underinsured Motorist coverage can fill the gap when the other driver’s insurance is insufficient.

Lupe Peña’s insider knowledge of insurance structures allows us to find policies that other lawyers miss. We don’t just settle for the minimum; we find every dollar available to cover your losses.

How We Prove Liability in Houston Car Accidents

Proving who was at fault in a Houston car accident requires more than just your word against theirs. It requires a scientific, evidence-based approach. At Attorney911, we treat every case as if it is going to trial in the Harris County Civil District Courts or the Southern District of Texas. This preparation is what forces insurance companies to offer fair settlements.

Accident Reconstruction & Expert Witnesses

In complex cases where fault is disputed, we hire the best accident reconstruction experts in Texas. These professionals use physics, mathematics, and computer simulations to recreate the crash. They analyze skid marks, crush patterns on the vehicles, and data from the “black boxes” (Event Data Recorders) to determine speeds, braking patterns, and steering inputs at the moment of impact. We also utilize:

• Biomechanical Engineers: To prove how the forces of the crash caused your specific injuries.
• Life Care Planners: To calculate the lifetime cost of medical care for catastrophic injuries.
• Vocational Experts: To document your lost earning capacity if you can no longer work in your previous profession.

The Importance of Federal Court Experience

Ralph Manginello’s admission to the U.S. District Court for the Southern District of Texas is a major differentiator. Federal court has stricter rules of evidence and a faster pace than state court. It is often the venue for cases involving out-of-state trucking companies or large corporations. Handling a case in federal court requires a level of technical precision that many “settlement mill” lawyers simply don’t possess. Our experience in the BP explosion litigation taught us how to manage millions of pages of evidence and take on the most sophisticated defense teams in the country. When we file a lawsuit in Houston, the other side knows we are prepared for the highest level of litigation.

Gathering “Disappearing” Evidence

In Houston, evidence has a shelf life. We move immediately to secure:

• 911 Recordings: These often contain the first, most honest accounts of the accident.
• Police Bodycam/Dashcam: To see what the officers saw and heard at the scene.
• Cell Phone Records: To prove the other driver was texting or on a call at the time of the crash.
• Surveillance Footage: From gas stations, retail stores, and traffic cameras before it is deleted.

Every day you wait to hire an attorney is a day that critical evidence could be lost forever. Don’t let the insurance company win by default. Call Attorney911 at 1-888-ATTY-911 today. (https://attorney911.com/contact/)

We are the Legal Emergency Lawyers™. We don’t get paid unless we win your Houston car accident case. Call 1-888-ATTY-911.

One of the most common questions we hear at Attorney911 is, “How much money will I get?” The truth is that every case is unique, and anyone who gives you a number before reviewing your medical records and investigating the accident is guessing. However, in Houston, your compensation is generally divided into three categories: Economic Damages, Non-Economic Damages, and in some cases, Punitive Damages. Our goal is to maximize every single category to ensure you are fully compensated for your losses. (https://attorney911.com/law-practice-areas/car-accident-lawyer/)

Economic Damages: Your Quantifiable Losses

Economic damages are the out-of-pocket expenses you have incurred and will incur in the future. In Texas, there is no cap on economic damages. We work with financial experts to calculate:

• Past and Future Medical Expenses: This includes everything from the initial ambulance ride to the ER, surgeries, hospital stays, physical therapy, medications, and any future medical care you will need for the rest of your life. For catastrophic injuries like a traumatic brain injury (TBI), future medical costs can reach into the millions.
• Lost Wages: If you missed work because of your injuries, you are entitled to the wages you lost. This includes sick leave and vacation time you were forced to use.
• Lost Earning Capacity: If your injuries prevent you from returning to your previous job or from working at all, we calculate the total income you would have earned over your lifetime. This is a critical component of high-value cases in Houston.
• Property Damage: The cost to repair or replace your vehicle and any personal property inside it.

Non-Economic Damages: The Human Cost

Non-economic damages are the intangible losses that don’t have a price tag but are often the most devastating part of an accident. In Houston, there is no cap on these damages in car accident cases.

• Pain and Suffering: The physical pain you have endured and will continue to endure. We use the “multiplier method” or the “per diem” method to argue for significant pain and suffering awards.
• Mental Anguish: The emotional trauma, anxiety, depression, and PTSD that often follow a violent collision. Many of our Houston clients develop a fear of driving that impacts their daily lives.
• Physical Impairment and Disfigurement: If you have lost range of motion, suffered scarring, or experienced an amputation, you are entitled to compensation for the loss of your quality of life.
• Loss of Consortium: The impact the accident has on your relationship with your spouse and family.

Settlement Ranges by Injury Type in Houston

While every case is different, we can provide general settlement ranges based on our 25+ years of experience in Houston:

• Soft Tissue Injuries (Whiplash/Sprains): $15,000 – $60,000. These cases depend heavily on the duration of treatment and the impact on your work.
• Broken Bones (Requiring Surgery): $132,000 – $328,000. The presence of permanent hardware (screws/plates) significantly increases case value.
• Herniated Disc (Surgery Required): $346,000 – $1,205,000. Spinal surgeries are high-stakes and often result in permanent restrictions.
• Traumatic Brain Injury (Moderate to Severe): $1,548,000 – $9,838,000. These cases require life care plans and vocational experts.
• Amputation: $1,945,000 – $8,630,000. As our record shows: “In a recent case, our client’s leg was injured in a car accident… This case settled in the millions.”

Lupe Peña’s insider knowledge of how insurance companies use Colossus software to value these injuries allows us to push for the highest possible multipliers. We don’t accept the computer’s first offer. Call 1-888-ATTY-911 to find out what your case is truly worth.

Exposing the Houston Insurance Playbook: 9 Tactics They Use to Deny Your Claim

At Attorney911, we believe that knowledge is power. The more you understand about how insurance companies operate in Houston, the less likely you are to fall into their traps. Lupe Peña spent years working for these companies, and he is now exposing their most common tactics. “I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney,” Lupe says. “They aren’t documenting your life—they’re building ammunition against you.”

Tactic #1: The Friendly “Quick Contact” Trap

Within 24 to 72 hours of your accident, an adjuster will call you. They will sound like your best friend. They will ask, “How are you feeling today?” If you say, “I’m okay” or “I’m doing better,” they will write that down and use it later to argue that your injuries weren’t serious. They want to get your recorded statement before you have spoken to a lawyer and before you know the full extent of your injuries. Our Counter: Never give a statement. Refer all calls to Attorney911 at 1-888-ATTY-911.

Tactic #2: The Lowball “Exploding” Offer

The insurance company may offer you a quick settlement of $2,000 or $5,000 just days after the crash. They will tell you the offer “expires in 48 hours.” They want you to sign a release before you realize you need surgery or that your medical bills will exceed $50,000. Once you sign that release, your case is closed forever. Our Counter: We never settle until you have reached Maximum Medical Improvement (MMI). We know their initial offer is just a fraction of your case’s true value.

Tactic #3: The “Independent” Medical Exam (IME)

The insurance company has the right to request an IME. They call it “independent,” but the doctors they hire are paid millions of dollars by the insurance industry to find that victims aren’t really hurt or that their pain is “pre-existing.” Lupe Peña knows these doctors personally because he hired them for years. Our Counter: We prepare you for the IME, we document the exam, and we challenge biased reports with our own board-certified medical experts.

Tactic #4: The Surveillance Stalkers

If your case has significant value, the insurance company will hire a private investigator to follow you in Houston. They will film you taking out the trash, walking your dog, or carrying groceries. They are looking for one “gotcha” moment where you appear to be moving without pain. Our Counter: We advise our clients on how to handle surveillance and how to ensure their daily activities aren’t taken out of context.

Tactic #5: Social Media Sabotage

Adjusters will stalk your Facebook, Instagram, and TikTok. They will look for photos of you smiling at a party or traveling. They will argue that if you can go to a wedding, you aren’t “suffering.” Our Counter: We implement a strict social media protocol for all clients. Your case is worth more than a Facebook post. (https://attorney911.com/blog/)

Tactic #6: The “Pre-Existing Condition” Defense

They will request a broad medical authorization to look through 10 or 20 years of your medical history. If they find you saw a chiropractor in 2010 for a stiff neck, they will claim your current herniated disc is “pre-existing.” Our Counter: We limit authorizations to accident-related records and use medical experts to prove how the accident aggravated your condition.

Tactic #7: The “Gap in Treatment” Attack

If you miss a physical therapy appointment or wait two weeks between doctor visits, they will pounce. They will argue that you must have felt better or that you aren’t taking your recovery seriously. Our Counter: We help our clients find doctors who work on liens so they can get consistent treatment without upfront costs.

Tactic #8: Shifting the Blame (Comparative Fault)

They will try to find any reason to put 1% or 10% of the fault on you. In a $1 million case, 10% fault saves them $100,000. Our Counter: We use accident reconstruction to prove the other driver’s 100% liability.

Tactic #9: The Policy Limits Bluff

They may tell you, “There’s only a $30,000 policy,” hoping you’ll settle and go away. They won’t tell you about the $2 million umbrella policy or the employer’s commercial coverage. Our Counter: We perform an exhaustive search for all available insurance layers. We don’t stop at the first policy. Call 1-888-ATTY-911 to ensure no money is left on the table.

Catastrophic Injuries in Houston Car Accidents

At Attorney911, we don’t just understand the law; we understand the medicine. We have spent 25+ years working with Houston’s top neurologists, orthopedic surgeons, and trauma specialists. We know how to translate complex medical jargon into a compelling story that a jury can understand. If you have suffered a life-changing injury, you need a lawyer who knows the long-term implications of your diagnosis.

Traumatic Brain Injuries (TBI)

A TBI can occur even without a direct blow to the head. The rapid acceleration and deceleration of a car accident can cause the brain to strike the inside of the skull, leading to bruising, tearing of nerve fibers, and internal bleeding. Symptoms like memory loss, mood changes, and cognitive decline may not appear immediately. We have secured multi-million dollar settlements for TBI victims, including a case involving permanent vision loss. We ensure your settlement covers the lifetime of cognitive therapy and home care you may require.

Spinal Cord Injuries & Herniated Discs

The force of a Houston car accident often causes the discs in your spine to bulge or rupture (herniate), putting pressure on your nerves. This can lead to chronic pain, numbness, and in severe cases, paralysis. Many of our clients require spinal fusions or discectomies. We work with surgeons to document the permanency of these injuries and the likelihood of future surgeries. (https://attorney911.com/law-practice-areas/car-accident-lawyer/)

Amputations & Crush Injuries

In high-speed collisions or accidents involving 18-wheelers, limbs can be crushed or severed. As we noted in our case results: “Our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.” We understand the profound psychological and physical impact of losing a limb, and we fight for the maximum compensation for prosthetics, rehabilitation, and disfigurement.

Internal Organ Damage

Blunt force trauma from a steering wheel or seatbelt can cause internal bleeding and damage to the liver, spleen, or kidneys. These injuries are life-threatening and require immediate surgical intervention. We ensure that the full extent of your internal trauma is documented and compensated. If you are facing a long road to recovery, call Attorney911 at 1-888-ATTY-911. We are here to carry the legal burden so you can focus on healing.

We are the Legal Emergency Lawyers™. No fee unless we win. Call 1-888-ATTY-911.

Choosing a lawyer is one of the most important decisions you will ever make. In Houston, you are bombarded with billboards and TV commercials for “big name” law firms. But when you call those firms, do you actually speak to the attorney on the billboard? At Attorney911, we are different. We are a boutique litigation firm where the partners are personally involved in every case. When you hire us, you get Ralph Manginello’s 25+ years of experience and Lupe Peña’s insurance defense insider knowledge. You aren’t just a case number; you are a person in crisis, and we treat you with the urgency and respect you deserve. (https://attorney911.com/reviews/)

The “Legal Emergency Lawyers™” Brand

We trademarked the term “Legal Emergency Lawyers™” because it describes exactly what we do. A car accident in Houston is a legal emergency. Evidence is disappearing, insurance companies are circling, and your financial future is at risk. You need a firm that responds with the speed and intensity of an emergency room. We are available 24/7 at 1-888-ATTY-911 because we know that accidents don’t happen on a 9-to-5 schedule. Whether it’s 2:00 AM on a Saturday or Christmas morning, if you have a legal emergency, we are here to answer the call.

Our Dedicated Team: Personal Attention You Can Feel

One of the things our clients love most about Attorney911 is our staff. We have built a team of compassionate professionals who are dedicated to keeping you updated and supported throughout your case.

• Leonor (Leo): Our lead paralegal and case manager, Leonor is mentioned in over 80 of our 5-star Google reviews. As client Stephanie Hernandez shared: “When I felt I had no hope or direction, Leonor reached out to me… She took all the weight of my worries off my shoulders.”
• Zulema: Our bilingual staff ensures that our Spanish-speaking clients in Houston always have a clear line of communication. As Celia Dominguez noted: “Especially Miss Zulema, who is always very kind and always translates.”
• Melanie & Amanda: Our team members who are praised for their patience and ability to calm clients’ nerves during the most stressful times. “Melanie was excellent. She kept me informed and when she said she would call me back, she did,” says client Brian Butchee.

This personal touch is why so many of our clients refer their friends and family to us. We don’t just win cases; we build relationships. (https://attorney911.com/attorneys/)

Testimonials: Real Stories from Real Houston Clients

Don’t just take our word for it. Listen to the people we have helped in Houston and across Texas:

• Donald Wilcox: “One company said they would not accept my case. Then I got a call from Manginello… I got a call to come pick up this handsome check.” We take the cases that other lawyers think are “too hard” because we have the resources to investigate them properly.
• Kiimarii Yup: “I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.”
• Greg Garcia: “In the beginning I had another attorney but he dropped my case although Manginello law firm were able to help me out.” We are the firm people turn to when their first lawyer gives up.
• Jacqueline Johnson: “One of Houston’s Great Men Trae Tha Truth has recommended this law firm. So if he is vouching for them then I know they do good work.” Our deep roots in the Houston community and our endorsement by local leaders like Trae Tha Truth speak to our integrity and results.

What to Expect: The Attorney911 Legal Process

Many people avoid hiring a lawyer because they think the process will be too complicated or time-consuming. At Attorney911, we handle the heavy lifting so you can focus on your health. Here is the typical timeline for a Houston car accident case:

1. Initial Consultation (Day 1): We meet with you (in person, over the phone, or at the hospital) to discuss the facts of your case. This is 100% free and confidential.
2. Immediate Investigation (Week 1): We send preservation letters, obtain the police report, canvas for surveillance footage, and interview witnesses. We identify all available insurance policies.
3. Medical Treatment (Months 1-6+): You focus on your recovery. We coordinate with your doctors to ensure your injuries are properly documented. We help you find specialists if needed.
4. Maximum Medical Improvement (MMI): Once your doctors determine you have recovered as much as possible, we gather all your medical bills and records.
5. The Demand Package: We create a comprehensive demand for settlement, including Lupe Peña’s insider analysis of why the insurance company must pay the full value of your claim.
6. Negotiation & Litigation: If the insurance company refuses to offer a fair settlement, we file a lawsuit. We take depositions, exchange evidence, and prepare for trial in Houston’s courts.
7. Resolution: Whether through a negotiated settlement, mediation, or a jury verdict, we fight until we achieve the best possible outcome for you.

As client Jamin Marroquin noted, this process can take time—sometimes 19 months or more for complex cases—but we are with you every step of the way. (https://attorney911.com/law-practice-areas/)

Serving Houston, Austin, and the Golden Triangle

While our primary office is in Houston, Attorney911 is a Texas powerhouse with a presence in the state’s most critical legal markets. We know the local courts, the local judges, and the local roads that cause the most accidents.

Houston & Harris County

Houston is the fourth-largest city in the U.S. and has some of the most dangerous roads in the country. We frequently handle cases involving accidents on:

• I-45 (The Gulf Freeway): Consistently ranked as one of the deadliest highways in America.
• The 610 Loop: A high-traffic corridor prone to multi-vehicle pileups and trucking accidents.
• I-10 (The Katy Freeway): The widest highway in the world, where high speeds lead to catastrophic collisions.

We serve all of Harris County, as well as Montgomery, Fort Bend, Brazoria, and Galveston Counties. Whether your case is in the Harris County Civil District Courts or the Southern District of Texas, we are at home in these courtrooms.

Austin & Travis County

Our Austin office serves the rapidly growing Central Texas region, including Travis, Williamson, Hays, and Bastrop Counties. Austin’s unique traffic challenges—including the congestion on I-35 and the high-speed toll roads like SH-130—require a lawyer who understands the local landscape. We also handle emerging technology cases in Austin, such as accidents involving Tesla’s Autopilot or the growing number of e-scooter collisions in the downtown area.

Beaumont & The Golden Triangle

Serving Jefferson, Orange, and Hardin Counties, our Beaumont office is deeply connected to the industrial heart of Texas. We understand the risks faced by workers in the refineries and ports of the Golden Triangle. Our experience in the BP explosion litigation makes us the go-to firm for Beaumont residents injured in commercial vehicle accidents or industrial-related motor vehicle crashes. We know the Jefferson County courts and the local juries who understand the value of hard work and the cost of corporate negligence.

Frequently Asked Questions About Houston Car Accidents

We believe an informed client is a successful client. Here are the answers to the questions we hear most often at our Houston office:

1. How much does it cost to hire Attorney911?
Nothing upfront. We work on a contingency fee basis, which means we only get paid if we win your case. Our fee is a percentage of the final settlement or verdict. If we don’t recover money for you, you owe us nothing. (https://attorney911.com/law-practice-areas/car-accident-lawyer/)

2. What if I was partially at fault for the accident?
Under Texas’s 51% modified comparative negligence rule, you can still recover damages as long as you are 50% or less at fault. Your compensation will be reduced by your percentage of fault. If you are 51% or more at fault, you cannot recover. We fight to minimize your fault percentage.

3. Should I talk to the other driver’s insurance company?
No. You should never give a recorded statement or sign anything from the other driver’s insurance without speaking to us first. They are looking for ways to deny your claim.

4. How long will my case take?
It depends on the complexity of the accident and the severity of your injuries. Some cases settle in 6 months, while others involving litigation can take 18-24 months. We move as fast as possible without sacrificing the value of your claim.

5. What if the other driver doesn’t have insurance?
We will look for Uninsured Motorist (UM) coverage on your own policy. We also investigate if the driver was working (employer liability) or if there were other liable parties, such as a bar (dram shop) or a vehicle manufacturer.

6. Do I have to go to court?
Most cases settle before trial. However, we prepare every case as if it is going to trial. This preparation is what gives us the leverage to secure high-value settlements. If the insurance company won’t be fair, we are ready to fight for you in front of a jury.

7. Can I still sue if the accident happened a year ago?
Yes, as long as you are within the 2-year statute of limitations. However, you should call us immediately so we can begin gathering evidence before it disappears.

8. What if I can’t afford my medical bills right now?
We can help you find medical providers who will treat you on a “letter of protection” (LOP) or a lien. This means they agree to wait for payment until your case is settled.

9. Is a “minor” fender-bender worth pursuing?
Yes. Many serious spinal and brain injuries don’t show symptoms immediately. Even if the vehicle damage is minor, the force of the impact can cause significant physical harm. Let us evaluate your case for free.

10. Why should I choose Attorney911 over a “big name” firm?
Because you get personal attention from senior litigators. You aren’t passed off to a junior associate. You get Ralph’s 25+ years of experience and Lupe’s insurance defense insider knowledge.

11. What is “Maximum Medical Improvement” (MMI)?
MMI is the point where your doctors believe your condition has stabilized and won’t improve further with more treatment. We wait for MMI to ensure we know the full cost of your future medical needs.

12. Can I sue for “pain and suffering”?
Yes. These are non-economic damages, and they are often a significant part of a Houston car accident settlement. We use proven methods to calculate and argue for these damages.

13. What if I was a passenger in the car that caused the accident?
You still have a right to recover for your injuries. You would file a claim against the driver’s insurance policy. We handle these sensitive cases with care.

14. Does Attorney911 handle Uber and Lyft accidents?
Yes. We are experts in the complex insurance phases that govern rideshare companies. We know how to hold Uber and Lyft accountable.

15. What should I do if the insurance company offers me a check right away?
Do not cash it. Cashing a check often acts as a final settlement and waives your right to pursue further compensation. Call us first.

16. Can I switch lawyers if I’m unhappy with my current one?
Yes. Many of our clients come to us after being ignored or pressured by other firms. We make the switching process easy and handle the transition of your file.

17. What is a “wrongful death” claim?
It is a claim brought by the surviving family members (spouse, children, parents) of someone killed by another’s negligence. We have recovered millions for families in these tragic cases.

18. Do you handle accidents involving commercial vans or delivery trucks?
Yes. Accidents involving Amazon, FedEx, or UPS trucks involve commercial insurance and corporate liability. We have the resources to take on these large companies.

19. What is “dram shop” liability?
It is the legal responsibility of a bar or restaurant that over-serves an obviously intoxicated person who then causes an accident. We investigate these cases to find additional sources of compensation.

20. How do I get started?
Call us at 1-888-ATTY-911. We will give you a free case evaluation and tell you exactly what your next steps should be. (https://attorney911.com/contact/)

Contact the Houston Legal Emergency Lawyers™ Today

You have been through enough. You shouldn’t have to fight billion-dollar insurance companies on your own. At Attorney911, we are ready to put our 25+ years of experience and our insurance defense insider knowledge to work for you. We are the firm that takes on the tough cases, the firm that prepares for trial, and the firm that wins. Whether you are in Houston, Austin, or Beaumont, we are your local advocates for justice.

Remember:

• No fee unless we win.
• Free, no-obligation consultations.
• Available 24/7 for legal emergencies.
• Insider knowledge of insurance tactics.
• Multi-million dollar results.

Don’t let the clock run out on your case. Every day you wait, evidence is being deleted and the insurance company is building their defense. Take control of your future today. Call the Manginello Law Firm at 1-888-ATTY-911 (1-888-288-9911) or visit us online at https://attorney911.com. It’s time to get smart, like a lawyer. It’s time to call Attorney911.

Attorney911 – The Manginello Law Firm, PLLC
Houston Office: Serving Harris and surrounding counties
Austin Office: Serving Travis and Central Texas
Beaumont Office: Serving the Golden Triangle
Emergency Hotline: 1-888-ATTY-911
Website: https://attorney911.com